CapOne gurus..need help apping

[Anonymous]

I just checked my prequalifications and for the first time ever, I have been prequalified for quicksilver and venture cards. I currently have quicksilver - $2,500 quicksilver - $3,000 and venture one - $3,000. Both 3k cards were opened in early June. Based on my scores, how much of a starting limit do you think I will get approved for on a quicksilver or venture? I don't want to bother with low limit cards.

[OmarGB9]

Well the venture is a visa signature, so if approved you would get a minimum $5k. But it's hard to say for sure. Scores? Any baddies?

[Anonymous]

Scores are in my signature. 646 TU 649 EQ and Exp 658. My utilization is at 10% and I have 2 medical collections..

[OmarGB9]

Sorry I'm on my phone and I can't always see sigs. But if you say you just got those cards in early June it may be too soon, especially since Cap1 triple pulls.

[SouthJamaica]

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@Anonymous wrote:
I just checked my prequalifications and for the first time ever, I have been prequalified for quicksilver and venture cards. I currently have quicksilver - $2,500 quicksilver - $3,000 and venture one - $3,000. Both 3k cards were opened in early June. Based on my scores, how much of a starting limit do you think I will get approved for on a quicksilver or venture? I don't want to bother with low limit cards.

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QS probably low.

Venture probably high.

[Creditaddict]

Venture I bet $10k

QS $3-$5k

Apply for Venture first... if you get anything more than $10k I would for SURE apply for QS too! otherwise toss up to you but 2 apps at same time usually 1 set of credit pulls.

[Anonymous]

You might be able to do another one about a month after.  I'd say wait until after the weekend.  I did 2 Ventures 1 month apart.  Venture will most definitely give you a higher sl.

[Anonymous]

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@Anonymous wrote:
I just checked my prequalifications and for the first time ever, I have been prequalified for quicksilver and venture cards. I currently have quicksilver - $2,500 quicksilver - $3,000 and venture one - $3,000. Both 3k cards were opened in early June. Based on my scores, how much of a starting limit do you think I will get approved for on a quicksilver or venture? I don't want to bother with low limit cards.

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Why are you so desperate for credit from capital one? Do you really need it? I don't know why but for some reason unless someone has PC'd an old card, theres no need for duplicates here.  It kind of bothers me. I mean, it more bothers me that capital one encourages this kind of behavior.

Why on earth do you think a  month later you would want to do that? Do you really want all the inquiries? How many do you have now?

What are the APRs listed on the prequal site

If its big limits you are wanting, I hope you have the income to pay off all of your potential calleds in full multiple times a month. Capital one likes to see heavy usage. You could get some good limits on the 2 u have now just use them for everything .

That being said I myself am considering applying but only for the bonus. And if I am wasting a triple pull I want two ventures. Activate the 2nd after I finish the first bonus so I have more time. Doubt they'd give me 2 though.

[Anonymous]

Been with them over 10 yrs now.  Didn't hurt my score at all.  It actually went up 6 points.   Have already met both spends on them and then some.  Yes, hubby spends a lot on these cards.  HVAC equipment adds up.  Actually can run 20k - 30k with commercial.  And he's likes to swipe!   I keep 4/5 in my iPhone case and rotate the rest.   Give a different one to him for his daily swipes.  Works out pretty well.  Put some new furniture on them right now and will pay it off over 2 months.  Want to see what happens with my score since I'm not app'ing for anything now.  

[Anonymous]

Thank you for your advice guys. I decided to hold off since I just opened 2 cards with them. Those preapprovals for venture and qs may have been a glitch as the next morning they were no where to be found!!!